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Bajaj Allianz Health Care Supreme Plan

What is the Plan all About?

Each and every stage of life brings varied life challenges which need adequate financial resources to combat such challenges. Health care supreme is an ideal health plan which will help you to deal with health challenges at different phases of life. A comprehensive health plan which offers multiple benefits at a low cost.

There are 3 variants of Health care supreme Plan basis the sum insured:

  • Health care supreme-Vital
  • Health care supreme- Smart
  • Health care supreme- Ultimo

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Key Features

  • Offers Sum Insured upto 50 lacs on individual/floater basis
  • No capping on entry age
  • Lifetime Renewal
  • Restoration of sum insured available
  • Free Annual Health check up irrespective of claim history

Policy Benefits

The following benefits are available in all the 3 plan variants with specific sublimits as per the plan variant opted.

  • Inpatient hospitalization expenses are covered for a minimum stay of 24 hours due to illness or accidental injuries.
  • Pre hospitalization expenses are covered incurred during the 60 days before you are hospitalized.
  • Post hospitalization expenses are covered incurred during 90 days after you are discharged from the hospital.
  • Road Ambulance service charges are covered post acceptance of the claim.
  • Air Ambulance charges are covered for emergency life threatening health conditions.
  • Day care procedures taken in the hospital as an inpatient in a hospital are covered but not as an outpatient.
  • Outpatient expenses are covered such as specialist consultation, medicines related to illness and others mentioned in the policy contract.
  • Organ donor expenses are covered under this policy.
  • Recovery benefit is payable as a lump sum amount per policy onetime in case of hospitalization exceeds 7 days by the insured.
  • Physiotherapy expenses are covered taken as an outpatient benefit as per the policy conditions.
  • Maternity Expenses and new born baby expenses are covered under the purview of this plan contract.

Value Added Benefits

  • 100% Automatic restoration of sum insured in case the sum assured is exhausted due to claims in the policy year.
  • Ayurvedic/Homeopathic treatment expenses as prescribed the medical practitioner are covered under this plan if undertaken in a government hospital.
  • Free annual health check up irrespective of the claim history.
  • Get Add on Covers such as Acilliary expenses,Personal accident cover and critical illness cover which can be opted to enhance the policy coverage at an additional cost.
  • Avail cumulative bonus of 10% of the sum insured for each claim free year up to the maximum of 50% of the sum insured.
  • Cashless facility in 3700 network hospitals
  • Hassle free and in-house claim settlement unit.
  • Tax Benefit under section 80D of Income Taxt Act.1961.

Sub Limits

  • OPD Sum insured limit varies as per the plan opted. It ranges from Rs 2,500 to Rs 25,000.
  • Physiotherapy benefit expenses range from Rs 2,500 to Rs 25,000 as per the plan opted.
  • Maternity sum insured ranges from Rs 2,500 to Rs 1 lac as per the plan opted.
  • Donor expenses range from Rs 50,000 to Rs 5 lacs as per the plan opted.
  • Air Ambulance reimbursement expenses are covered under as 10% of the sum insured as per the plan opted.
  • Road Ambulance covered upto the sum insured under hospitalization section.
  • No Sub limits on Ayurvedic and Homoeopathic Hospitalisation treatment expenses

Waiting Period Clause

  • Initial Waiting Period: Any diseases contracted during first 30 days of the policy start date, except those arising out of accidents.
  • Specific Waiting Period: Some treatments as specified in the policy contract are covered after 2 years of continuous policy years.
  • Pre existing Disease Waiting Period: Any pre-existing ailment is covered after 2 years of continuous policy coverage.
  • Maternity Expenses are covered from the 3rd policy year.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years, Child:3 Months Child: 25 Years, Adult:No Age Limit
Sum Assured 5 Lacs 50 Lacs
Cover Type Individual/Family Floater -
Policy Tenure 1 Year 1 Year
Grace Period 30 Days -
Free Look Period 15 Days -
Riders Personal Accident, Critical Illness & Ancillary Expenses. -

Exclusions

  • Any form of plastic surgery
  • Intentional self injury
  • Weight management services
  • Congenital external diseases, etc.